Hotel and Travel Industry
Honolulu, HI · Charter 9115 · Peer group: credit unions under $1B in assets in the Birmingham, AL area (n=29)
NCUA · 2 branches
Q2 2026
$40.0MAssets
$15.9MLoans
$37.2MShares
$3.6MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 66% of credit unions under $1B in assets in the Birmingham, AL area (rank 11 of 29).
- Widest gap: equity / assets trails 93% of credit unions under $1B in assets in the Birmingham, AL area (rank 27 of 29).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.34%
Rank 20 of 29
Net Interest Margin
3.10%
Rank 26 of 29
Efficiency Ratio
81.68%
Rank 16 of 29
Equity / Assets
8.93%
Rank 27 of 29
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.34% | 0.26% | 0.65% | 1.06% | Beats 31% | 20 / 29 | | |
| Return on Equity | 3.75% | 2.33% | 4.15% | 7.02% | Beats 41% | 17 / 29 | | |
| Net Interest Margin | 3.10% | 3.29% | 3.80% | 4.67% | Beats 10% | 26 / 29 | | |
| Efficiency Ratio | 81.68% | 67.71% | 81.00% | 89.29% | Beats 48% | 16 / 29 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.81% | 0.40% | 1.03% | 1.72% | Beats 66% | 11 / 29 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.93% | 10.13% | 13.97% | 19.12% | Beats 7% | 27 / 29 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.93% | 10.13% | 13.97% | 19.12% | Beats 7% | 27 / 29 | | |
| Liquidity & Funding |
| Loans / Deposits | 42.75% | 40.72% | 55.53% | 68.24% | 28th pctl | 21 / 29 | | |
| Loans / Assets | 39.75% | 35.46% | 45.52% | 58.70% | 38th pctl | 18 / 29 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |